Personal accident cover, with strings attached (5)
I believe the answer is:
apron
'personal accident cover' is the definition.
'apron' can be an answer for 'cover' (I have seen 'Protective cover ' mean 'apron' so perhaps 'cover' could also mean 'apron'). I'm unsure of the 'personal accident' bit.
'with strings attached' is the wordplay.
'with' is a charade indicator (letters next to each other).
'strings' becomes 'apr' (I can't explain this - if you can you should believe this answer much more).
'attached' becomes 'on' (I've seen this in other clues).
'apr' next to 'on' is 'APRON'.
Can you help me to learn more?
(Other definitions for apron that I've seen before include "stage perhaps" , "Kitchen garment or airfield area" , "Pinnie" , "Cook's protector" , "Domestic protection" .)